HSBC 2005 Annual Report Download - page 180

HSBC HOLDINGS PLC
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178
Loan maturity and interest sensitivity analysis
At 31 December 2005, the geographical analysis of loan maturity and interest sensitivity by loan type on a
contractual repayment basis was as follows:
Europe
Hong
Kong
Rest
of Asia-
Pacific
North
America
South
America Total
US$m US$m US$m US$m US$m US$m
Maturity of 1 year or less
Loans and advances to banks .............................. 43,254 42,684 18,898 11,293 5,265 121,394
Commercial loans to customers
Commercial, industrial and international trade 54,243 11,155 17,478 6,759 2,229 91,864
Real estate and other property related ............. 12,884 6,189 3,814 5,472 218 28,577
Non-bank financial institutions ...................... 32,287 1,588 1,606 8,655 109 44,245
Governments .................................................. 782 116 1,439 253 55 2,645
Other commercial ........................................... 27,223 1,942 4,700 6,240 855 40,960
127,419 20,990 29,037 27,379 3,466 208,291
Hong Kong Government Home Ownership
Scheme ........................................................... –489–––489
Residential mortgages and other personal loans . 30,066 10,685 9,538 49,629 3,827 103,745
Loans and advances to customers ....................... 157,485 32,164 38,575 77,008 7,293 312,525
200,739 74,848 57,472 88,301 12,558 433,918
Maturity after 1 year but within 5 years
Loans and advances to banks .............................. 750 67 266 124 17 1,224
Commercial loans to customers
Commercial, industrial and international trade 13,558 5,192 3,335 5,128 655 27,868
Real estate and other property related ............. 9,180 9,036 3,734 7,651 57 29,658
Non-bank financial institutions ...................... 1,726 348 558 1,480 18 4,130
Governments .................................................. 363 186 472 2,647 163 3,831
Other commercial ........................................... 6,984 3,532 2,253 1,536 317 14,622
31,811 18,294 10,352 18,442 1,210 80,109
Hong Kong Government Home Ownership
Scheme ........................................................... – 1,564 – – – 1,564
Residential mortgages and other personal loans . 34,043 6,836 7,535 50,515 1,268 100,197
Loans and advances to customers ....................... 65,854 26,694 17,887 68,957 2,478 181,870
66,604 26,761 18,153 69,081 2,495 183,094
Interest rate sensitivity of loans and advances to
banks and commercial loans to customers:
Fixed interest rate ........................................... 6,991 69 3,070 3,791 430 14,351
Variable interest rate ...................................... 25,570 18,292 7,548 14,775 797 66,982
32,561 18,361 10,618 18,566 1,227 81,333
Maturity after 5 years
Loans and advances to banks............................... 364 – 396 2,596 – 3,356
Commercial loans to customers
Commercial, industrial and international trade 8,886 389 473 1,312 10 11,070
Real estate and other property related ............. 7,610 3,479 959 3,725 3 15,776
Non-bank financial institutions ...................... 1,292 30 38 296 1 1,657
Governments .................................................. 676 1 236 602 227 1,742
Other commercial ........................................... 8,739 1,953 938 600 8 12,238
27,203 5,852 2,644 6,535 249 42,483
Hong Kong Government Home Ownership
Scheme ........................................................... – 2,627 – – – 2,627
Residential mortgages and other personal loans .. 65,486 16,269 11,746 118,270 83 211,854
Loans and advances to customers ....................... 92,689 24,748 14,390 124,805 332 256,964
93,053 24,748 14,786 127,401 332 260,320
Interest rate sensitivity of loans and advances to
banks and commercial loans to customers
Fixed interest rate ........................................... 6,633 30 927 1,673 11 9,274
Variable interest rate ...................................... 20,934 5,822 2,113 7,458 238 36,565
27,567 5,852 3,040 9,131 249 45,839